Smartgroup (FRA:SW8) LT-Debt-to-Total-Asset: 0.12 (As of Dec. 2025)

What is Smartgroup LT-Debt-to-Total-Asset?

Smartgroup FRA:SW8 +1.99% 89 LT-Debt-to-Total-Asset is 0.12 as of Dec. 2025. GuruFocus rates FRA:SW8 with a GF Score™ of 89/100 and a GF Value™ of €5.87. The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Smartgroup's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.12.

Smartgroup's long-term debt to total assets ratio stayed the same from Dec. 2024 (0.12) to Dec. 2025 (0.12).

Smartgroup (FRA:SW8) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Smartgroup LT-Debt-to-Total-Asset Related Terms

Smartgroup LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Smartgroup's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Smartgroup LT-Debt-to-Total-Asset Chart

Smartgroup Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.08

0.14

0.16

0.12

Smartgroup Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.16	0.15	0.12	0.16	0.12

89GF Score

Smartgroup Corporation Ltd FRA:SW8

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Smartgroup LT-Debt-to-Total-Asset Calculation

Smartgroup's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	49.204	/	402.004
	=	0.12

Smartgroup's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	49.204	/	402.004
	=	0.12

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.12 mean?

Smartgroup (FRA:SW8) has a LT-Debt-to-Total-Asset of 0.12 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Smartgroup and its competitors.

Is Smartgroup's LT-Debt-to-Total-Asset too high?

Smartgroup's current LT-Debt-to-Total-Asset is 0.12. Overall, Smartgroup has a GF Score™ of 89/100, reflecting its overall financial health beyond just this single metric.

How does Smartgroup's LT-Debt-to-Total-Asset compare to CTAS and CPRT?

Smartgroup's LT-Debt-to-Total-Asset of 0.12 can be compared against companies in the Business Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Business Services company?

A good LT-Debt-to-Total-Asset depends on the Business Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Smartgroup and its competitors. Smartgroup's current LT-Debt-to-Total-Asset is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Smartgroup stock overvalued right now?

Smartgroup (FRA:SW8) has a current LT-Debt-to-Total-Asset of 0.12. The stock's GF Value™ is €5.87, compared to a current price of €7.70 — trading 31.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.12. Smartgroup's overall GF Score™ is 89/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Smartgroup (FRA:SW8), the current LT-Debt-to-Total-Asset is 0.12 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Smartgroup (FRA:SW8) Overvalued in 2026?

Based on GuruFocus' analysis, Smartgroup stock appears to be overvalued. The current stock price of €7.70 is trading 31.2% above its estimated GF Value™ of €5.87.

Key valuation signals for FRA:SW8:

LT-Debt-to-Total-Asset: 0.12
GF Value™: €5.87 vs. price of €7.70 (31.2% above fair value)
GF Score™: 89/100 with 6 warning signs

No single metric tells the full story. See the FRA:SW8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Smartgroup Business Description

Industry Industrials Business Services

Comparable Companies ASX:MAD ASX:IPH ASX:CUP ASX:KPG ASX:BOL ASX:EAX ASX:SSH ASX:STG ASX:RBR CTAS LSE:REL TSX:TRI CPRT TSX:RBA ULS GPN ASX:BXB ARMK XAMS:WKL LSE:RTO

Other Exchanges SIQ:Australia

Address 201 Sussex Street, Level 15, Darling Park Tower 2, Sydney, NSW, AUS, 2000

Website https://www.smartgroup.com.au

Smartgroup Corporation is an Australia-based company that provides specialist employee management services. Its services include salary packaging, novated leasing, vehicle fleet management, payroll administration, employee share plan administration and workforce optimization. The operating segments of the company are: outsourced administration, or OA, and vehicle services, or VS. Most of the group's revenue is generated from the OA segment which provides outsourced salary packaging services, novated leasing, share plan administration and outsourced payroll services. The VS segment provides end-to-end vehicle fleet management services.

89GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.70

Price

€5.87

GF Value

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